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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,684 | $69,273-61.5% | $90,796-70.6% | $82,637-67.7% |
| Participation rate | 100.0% | 64.0%+36.0pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 18.96% | 18.37%+0.6pp | 19.29%-0.3pp | 53.51%-34.5pp |
| Employer contribution / active EE | $2,060 | $1,865+10.4% | $2,294-10.2% | $2,552-19.3% |
| Participant deferral / active EE | $3,898 | $3,047+27.9% | $3,822+2.0% | $4,126-5.5% |
| Admin fee / account holder | $387 | $5,511-93.0% | $7,024-94.5% | $7,339-94.7% |